Typical Fannie Mae and Freddie Mac conforming conventional financing uses what qualifying guidelines?
a) Debt-to-income ratio of 36% and credit score of 650
b) Loan-to-value ratio of 80% and credit score of 620
c) Debt-to-income ratio of 43% and credit score of 700
d) Loan-to-value ratio of 95% and credit score of 580